退休是個熱鬧而且吸引人的話題,畢竟來美奮鬥辛苦折騰幾十年終於盼到退休過自己日子的好時光,看老美主流是怎麽計劃退休的,轉
https://finance.yahoo.com/news/6-million-enough-retire-55-130012866.html
Retiring at 55 With $6 Million Will Buy You This Type of Lifestyle
Perhaps the most important, and most undervalued, aspect of in-retirement financial planning is this: Your portfolio will continue to generate returns throughout your retirement. At the higher end, if you invest entirely in the S&P 500 you can expect a lot of volatility but long-term returns of 10% – 13% per year. At the lower end, if you invest entirely in bonds you can expect low volatility but long-term yields of 1.6% per year. And if you split the difference to invest in annuities, you can expect guaranteed payments that range based on the specific institution and contract. With a $6 million portfolio, those returns would come out roughly to:- S&P 500 Index – $600,000 per year in capital gains returns, with periodic losses
- Bonds – $96,000 in yield payments, with losses quite rare
- Annuities – Potentially $300,000 per year in payments, guaranteed by the insurer